If you are worried about losing valuable programs and settings then why not try a test hard disk first as Peter has suggested? That way you can compare one to the other and then only reimage if you then find out it is software related. Anything from 5GB and up will do as a test. There *are* situations a failing part on the motherboard can cause lockups (usually the MPEG encoder chip) that do get worse over time. A test hard disk will reveal whether there is a software or hardware problem without the gripes of losing valuable recordings.
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